If your license has been suspended or revoked, one of the steps to getting back on the road legally is filing an SR-22. But here’s the catch: SR-22 rules aren’t the same everywhere. The requirements vary depending on whether you live in South Carolina, North Carolina, or Georgia.
At Upstate’s Choice Insurance, we help drivers across all three states understand what’s required—and make the process as smooth as possible. Here’s a breakdown of how SR-22 rules compare.
What Is an SR-22?
An SR-22 is not insurance. It’s a certificate of financial responsibility filed by your insurance company with the state DMV. It proves that you carry at least the minimum liability insurance required by law.
You’ll usually be required to file one after:
- A DUI or DWI
- Driving without insurance
- Repeated traffic violations
- Reckless driving charges
- A license suspension or revocation
SR-22 in South Carolina
- Who Needs It: Drivers with license suspensions for DUIs, driving uninsured, or serious violations.
- Duration: Typically 3 years, but can vary by offense.
- Type of Policy: Vehicle owners file through a standard auto policy; non-owners can file with a non-owner SR-22 policy.
- Lapse Penalties: If your coverage lapses, your insurer must notify the DMV, which may suspend your license again.
SR-22 in North Carolina
- Who Needs It: Required for certain violations, including DWI, uninsured driving, or multiple serious offenses.
- Duration: Typically 3 years.
- Type of Policy: Vehicle owners or non-owners, depending on your situation.
- Important Note: North Carolina also uses a DL-123 form for proof of insurance, but SR-22 filings are still required for more serious cases.
SR-22 in Georgia
- Who Needs It: Required for drivers with suspensions, DUIs, or uninsured driving violations.
- Duration: Usually 3 years, though some cases may require longer.
- Type of Policy: Available for both vehicle owners and non-owners.
- Lapse Penalties: Any lapse in coverage restarts the clock, and your license may be re-suspended.
Key Differences at a Glance
| State | Typical Duration | Non-Owner Option | Special Notes |
|---|---|---|---|
| South Carolina | 3 years | Yes | Strict on lapses—reinstatement fees apply |
| North Carolina | 3 years | Yes | Also uses DL-123 form for proof of insurance |
| Georgia | 3 years+ | Yes | Lapses can reset filing period |
Why Work with an Independent Agency?
SR-22 requirements can feel confusing—especially when each state has slightly different rules. At Upstate’s Choice Insurance:
- We file SR-22 forms directly with the DMV for you.
- We offer both owner and non-owner SR-22 policies.
- We shop multiple carriers to find the best rate for your situation.
- We provide local support for drivers in SC, NC, and GA.
Get Back on the Road Today
If you’ve been told you need an SR-22, don’t let the paperwork stress you out. At Upstate’s Choice Insurance, we’ll walk you through the process, file the forms, and make sure you have the coverage required to get your license reinstated.
👉 Call us today or request a free SR-22 insurance quote online to get started in South Carolina, North Carolina, or Georgia.